Capital One Financial Corporation

Review: I had a [redacted] with this company for several years. I paid it in full on December 2, 2013,and asked them to cancel the card. They responded, on January 1, 2014, that I owed them $1,67 in interest fees, and another $86.39 for a service that I did not authorize.Desired Settlement: DesiredSettlementID: No settlement requested - for

No settlement requested - I just want them to stop badgering me!

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: Good Evening,

approximately 3 weeks ago I noticed that my pre-authorized payments to my credit card had ceased for some reason and could not figure out why. Upon contacting Capital One, I was placed on hold for approximately 45 minutes, which after an automated messege stated that they are experiencing higher than normal volumes, if you leave a voicemail and contact number, a rep would contact you back. I took this option. After 3 weeks I had not heard back from the company. I called them back upon recieving my bill stating I was behind and failure to pay the minumum balance would result in credit score damage. Totally understandable. I spoke with a rep who was unabel to assist with the issue, and was transferred to a [redacted]. while waiting for the [redacted] I noticed that my rates had increased from 9.99% to 19.99%. Upon speaking with the [redacted] and going back and forth I was advised that although he could up-com my complant to a [redacted], it would "do me no good" as the only way to have the rates reverted would be for my finacial institution to send them a fax admitting fault. I not as concerned with the rates as I was cancelling my card with them. Further to my issue, I read in bright red writing that if I had paid the minumum balance on my card by January 7th 2014, I would avoid credit score damage. Upon inquiring this to the [redacted], he stated it was not true and there there was irreparable done to my score. I advised him of the writing on the bill stating the above, and was further advised that it was not the case. At this point I could not deal with him any longer as we would have gone all night without a resolution.

Upon applying for a new card with my current financial instution, I was advised that there was indeed damage done by Capital One. I am requesting your assistance in this matter for a resolution as the [redacted] stated that I could talk to the [redacted] and [redacted] of the company and they would not revert anything without my financial instution admitting fault.

In addition, I inquired to the [redacted] as to when his rate hike went into effect. He stated it was on the 12th of December. I had placed my origonal calls back in the end of November. Upon advising the [redacted] of the above, he coud not answer the question and stated that it was my resposibility to keep track.

I understand its my resposibility; however I paid my bills, intrest rated and card fees. I expect a multi-billion dollar Corporation to at least get back to their customers in a sufficent amount of time. I do not feel I should have to chase them around canstantly calling them as they had been advised to call me back as soon as possible, and relating to the possibility of missed payments, and confirmation that they did/did not recieve them.Desired Settlement: I am not looking for any financial compensation; however I would like my Credit Score adjusted. I am not concerned what intreste rate is left as I have left them as a customer. In addition I would like to request a signed apology from the company for their conduct and lack of customer service.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: I have been receiving mailers from Capital One since the beginning of 20014, at first I would just throw them away, but then they started coming twice, sometimes three times week. I wrote on them, "RTS, Return to sender, Remove address from mailing list," but that just got them to send more. My first phone call to the company was on February 10, 2014 at 04:57PM MST. I also spoke to someone via [redacted] that same day, asking them to remove my information from their systems. Since then I have been getting two mailers/advertisements a day. I keep sending them back, "RTS, Return to sender, Remove address from mailing list." I called Capital One again on, February 15, 2014 at 02:45PM MST, to remove my information from their systems. Again I am still getting advertisements from the company, some just once a day, others twice a day.Desired Settlement: I would like politics to be changed. I never contacted Capital One, so I do not know where they got my information from, but the first ten advertisements that were sent back, "RTS, Return to sender, Remove address from mailing list," they should honor the request. The first phone call that is made, I would like them to honor the request.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I did more than just contact Capital One via Social Media. I have made phone calls, and sent back the mailers with, "Take off mailing list," written on many of them, while others had, "Do not contact," written on them. Capital One needs to have a better system for when mail is returned to them with these types of messages written on them.

Regards,

Review: received an offer for 1 year 0% interest they the promo early should be until September 2014Desired Settlement: DesiredSettlementID: Other (requires explanation)

want 0% for 1 year as advertised should end in September 2014

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: I sent you guys a letter asking to remove a credit card I had with you guys that is showing adversely on my credit report. Instead you guys thought that I was asking to be removed from my wife’s account as an authorized user and that is not what I was asking. The account that I want removed ends in [redacted] but instead you all have stated that you will be removing the one that I’m authorized on when I do not want you to do that. My wife’s account ends in [redacted] and again I DO want that to be on my credit report. I do not however what the [redacted] on my credit report as I have paid it off and want it removed.My complaint concerns: a Credit CardDesired Settlement: I want the [redacted] account deleted from my credit report and I want the [redacted] to continue to be on my credit report, I do not want it deleted

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: In April 2015, my credit card account with Capital One was compromised when it was hacked into. The person who had gotten access to my online account added themselves as authorised user to my two credit cards and made online purchases with the company named [redacted]. On my billing statement, I noticed charges from [redacted] which were clearly not mine, since I have never had any association with that company and definitely never ordered any of their services or products.

I filed a dispute with Capital One, and their Fraud Department Specialist explained to me what had happened to my account. They closed down my two accounts and gave me new account numbers along with new credit cards.

One account was managed to be cleared up, while the other was still being billed recurring charges by [redacted].

This has been a nightmare for me and I have been dealing with it since May 2015. According to Capital One's policy I am not responsible for fraudulent charges to my account, yet their Fraud Department is unable or unwilling to resolve the issue. I have been calling Capital One regarding this issue two, three times every month, and every time I am being told that the charges - four charges of $109.99 each totalling $439.96 - will be credited to my account within a few days. Until today this has not happened nor has it been resolved. On the last few occasions I spoke with them I was told that I need to speak with the person in charge of my case - Matthew at [redacted] I have been trying to contact Matthew on several occasions but he is never available at his office. I have been leaving messages for him since early November 2015, yet he has never responded to me.

During a few of my calls speaking with the Fraud Department supervisors, they all reviewed the claim paperwork submitted by [redacted] and noticed that then information to where they supposedly send their orders does not match any of my information. I am a victim of fraud and this is unacceptable and it has to stop.My complaint concerns: a Credit CardDesired Settlement: As stated above, I have never had any contact, nor done any business or made any orders from the company [redacted].

The four chargers of $109.99 each totalling $439.96 are not mine and I am a victim of fraud. Capital One needs to acknowledge that and finally resolve this case which has been going on since may 2015 and has been very frustrating for me.

I am in no way going to be held responsible for somebody's fraudulent acts by paying for their fraudulent charges.

These charges of $439.96 are not mine, and I am in no way intending to pay for them.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Consumer

Response:

I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I have continuously been in contact with Capital One fraud department and have spoken to over a dussin fraud specialists since I discovered the fraudulent charges on my account in May 2015. Each and every time, the fraud department managers ensured me that the matter has been resolved and that the four fraudulent charges - $109.99 each - will be credited to my account within a few days. Indeed the charges were credited, only to be charged back again by the company involved in the fraud case - [redacted]. In September 2015, a fraud department manager I spoke with, supposedly called [redacted] while asking me to hold, and personally resolved the issue, so I was told. The charges from [redacted] stopped, but Capital One failed to credit the four fraudulent charges on my account. Since then the case has been transferred from the dispute department to the fraud department back and forth, and the representatives have been telling me each time I called that the matter has been resolved and I will see the four fraudulent charges credited to my account within a few days.

It is not satisfactory to me to, at this point, several months after the fraud case has been resolved, tell me that the case is still being investigated. Only a few days after I filed my complaint with the Revdex.com, Capital One credited my account with three of the four fraudulent charges. I do not understand why the remainder one charge of $109.99 was not credited at the same time, and until today I have not received any information regarding the reason for this from Capital One.

As a fraud victim I find it very frustrating to have to be dealing with this issue for over 9 months, and having to turn to the Revdex.com in order to get help with getting this issue resolved once and for all. I feel as I have been misled by Capital One fraud department supervisors who have been telling me that the matter is resolved each time I called them.

I will find it satisfactory once I receive the final credit for the one remainder fraudulent charge of $109.99 that is still showing on my account.

Regards,

Review: I just received a collections notice because someone took out a credit card in my daughter's name when she was SIX. How did Capital One not notice that the SSN and birthdate belonged to a six-year-old?My complaint concerns: a Credit CardDesired Settlement: I want the credit card balance to be wiped clean and everything removed from her credit.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: Given the recent history of credit and banking institutions, it would only make sense that transparency of billing processes be enhanced to their optimal level.

Currently, Capital one runs charges to the credit card in a sequential order without provide a running balance. I have two additional cards with other organizations and they provide a real time running balance so that the consumer is best informed of the pending charges and make more responsible financial decisions.

I generally pay my entire balanced within 5 to 30 business days each month, but it is extremely difficult to reconcile my account when there is no balance from one transaction to the next. Given that the standard for other financial institutions is to provide this running balance, I can only assume that Capital One is intentionally omitting this practice in an effort to confuse and push for clients to incur additional debts.

I think it would be of most benefit to all parties involved for Capital One to follow better business practices. This is a simple fix and one that falls with general industry standards.

Please advise.

Regards,

[redacted]My complaint concerns: a Credit CardDesired Settlement: Change the all billing systems to reflect on going available balances so that clients can better reconcile billing.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: I have been a customer of Capital One since 2006 and up until now have always felt that my business was valued. Over the years I have chosen to add more accounts with Capital One as they have expanded their offerings. In 2015, I had small period of time where a job transition caused me to fall behind on one my accounts. While trying to work through the payment dilemmas, Capital One appeared to be willing to work with me and offered a temporary relief period. This offer went a long way with my loyalty to Capital One and encouraged me to view my business with Capital One as a long term relationship. During the relief period, I was able to make all of my reduced payments on time except the very last payment, which fell behind due to a job transition taking longer than expected. After missing the last payment, my job transition improved and I immediately caught up my payments and have made all payments moving forward. However, because I missed the one payment, Capital One decided to place my account on permanent restrictions, which means I am no longer able to use it but can make payments. I was very disappointed to discover this was the case as I continued to honor my account status and remained transparent with Capital One on my intent to the account. I feel that Capital One has misled me as a customer by indicating a good payment record would result in my ability to use the card again. Instead Capital One only wants me to keep my account status active so that they can continue to reap the benefits of a high percentage credit card rate while I make payments, while they have no intent to keep me as a long term customer. I think Capital One really made a bad decision to permanently penalize a customer who is active on their account and who is attempting to restore any past payment issues. When attempting to work through the restriction issue with customer service, they were not willing to attempt any corrections to the account, regardless of seeing positive payment activity. When asking to speak with a manager, I was told that they can get someone on the line that will explain the same to me and then continued to place me on hold for a very long time, as if waiting for me to eventually hang-up, which I did after approximately 30 minutes of wait time. These acts have showed me that Capital One is not interested in long term customer relationships and only provide lip-service to customer support. Until now, I had considered transferring all of my business under the Capital One umbrella but I have reconsidered and I am now looking to remove all my business. A simple act can show the character of an organization and I extremely disappointed in how my efforts to be a loyal customer have been ignored.

My resolution request is simple – reinstate my account and allow the use of a card that I am paying on as a customer.

Disappointed,

A Customer Deciding to Leave…My complaint concerns: a Credit CardDesired Settlement: My resolution request is simple - reinstate my account and allow the use of the card that I am making payments on as a customer.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: I made a [redacted] payment to my Capital One credit card that was paid by [redacted] on 05/19/2106. The payment shows cleared by both [redacted] and Capital One as of today, however, the payment has not been credited to my Capital One card. Capital One has a history of taking out my payment numerous times, and I am beginning to feel that they are doing something unscrupulous in collection procedures.My complaint concerns: a Credit CardDesired Settlement: I want my available credit to reflect the payment I have made. I also want to ensure Capital One does not attempt to process any more of my payments twice.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: On August 29, 2013 I did a settlement with capitol one. I disputed with the credit bureau twice that it was a settlement and capitol one has updated the payment but refuses to acknowledge this was a settlement on my credit card to all 3 bureaus. I am requesting that they honor the agreement I had in place. I even had the young lady fax me a settlement agreement. Now I am getting the run around please update my credit bureaus file to reflect what we agreed to paid in full /settlementDesired Settlement: DesiredSettlementID: Other (requires explanation)

For Capitol One Credit card to Honor the settlement and send all 3 credit bureaus information showing it was a settlement.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: I have had an auto loan with Capital One since 12/2010. Ever since the loan was opened, it has been a nightmare for me. They consistently "lose" payments, their customer service representatives repeatedly call and harass my husband and I, and I recently had a representative tell me she did not care if my children had to starve in order for me to make my car payment. I had recently gotten behind in my car payments due to a layoff at my job. I had set up automatic withdraw for my payments that mysteriously got cancelled and now they continuously call me several times a day despite my attempts to resolve this issue.Desired Settlement: My desired outcome is for Capital One Auto Financing to cease contact with me and consider the remainder of the loan to be paid in full. Capital One Auto Financing has refused my payment several times because it was not for the full amount but was all I could afford at the time.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: On November 3,2012 my income was reduce from over $2,000 to less than $1,025 a month, which made it difficult to pay the creditors on time. I tried but that made me behind in my mortgage and car payment. Therefore, I had to make a decision. I was not going to lose my house nor my car nor be without utilities. I wrote Capital One and explained my situation. I did receive a response, I called but I was told I could not be help because I didn't meet the guideline. I explained to the customer service representative that I was not able to make any payments. I was told again that they could not help me. I wrote another letter stating to call a number, I call only to hear the same thing. I am not trying to get out of paying my debt, but at this time I am not able to do so.Desired Settlement: I would like to request a deferment of my account until December, 2015. I would like to also request that the interest rate be lower, as well as, the over limit and late late fees be stopped. I would like to be able to have this bill paid within 7 years.

Thank you for your assistance and your cooperation in this matter.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted].

Regards,

Thank you [redacted] for your understanding in this matter and Capital One patience.

Review: I was sending a [redacted] Money order and did not reliaze that my credit card was going to charge me a cash advance fee for the transcation. I thought the credit card would be charged as a credit or purchase not as a cash advance. I was then charged $10.00 for sending money not by [redacted] but by my credit card. I would like a refund of $10.00. I spoke with your employees at the credit card company and they were rude and wasted my time basically blaming me or [redacted] for the fee but they were the ones who charged me. I was only doing the transcation on my credit card to offer protection and the credit card offered me no protection only a fee.Desired Settlement: Refund of $10.00 fee that was charged by my credit card.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted].

Regards,

Review: [redacted]

the account they are attempting to collect on is not mine and I will not be paying anything on the account ending in [redacted] with Capital One Bank. I had only ONE account with Capital One, the account number begins [redacted] opened in 8/2006. I fell on hardship with I was laid off in 2009 and the account was eventually placed in judgment and I fulfilled the judgment in 2013 with the collection agency Cheek Law Offices. I NEVER had another Capital One account. I have been fighting this for 3-4 years now, when I saw two more Capital One accounts appearing on my credit negatively. I have no knowledge of the account you are trying to collect on ending in [redacted]and I suspect my ex-wife opened the account and I had no idea until agencies skipped me to find where I actually live. It appears the account you are referring to was open in 3/2004. There is another account with Capital One beginning with [redacted] that was open 12/2006 that is also not mine and I suspect my ex-wife opened it as well. I am not sure If you are trying to collect that account too, but I need to have this information sent to Capital One, so they stop harassing me. . I am NOT responsible for ANY of this debt and I will not pay something I never did or knew about! I WILL file a lawsuit if this is not taken care of expediently. I am tired of dealing with this. No one will help me from Capital One and I find this highly unacceptable.Complaint concerns: a Credit CardDesired Settlement: Vacate the judgment that this collection agency has against me and delete these accounts from my credit bureau. You and the collection agency have a choice. You can repurchase the account back from the collection agency/law office if you took the time to help your customer. Don't just blow me off and tell me the account is sold to someone else and that it's out of your hands. You are still the original creditor and you are simply unwilling to help. I have disputed this with you and the agency on at least 6 occasions. I know this isn't how a company as large as yours needs to run. I want proof I applied for these accounts in 3/2004 and 12/2006. Payment copies, signed receipts, signed credit application, etc. If you cannot provide proof and I am telling you this is fraud over and over and over again....it's time to take care of the matter. I won't just go away.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted]

Regards,

Review: Capital One refuses to reimburse me for a Microsoft Office that I did not receive or use after filing a dispute.My complaint concerns: a Credit CardDesired Settlement: To be reimbursed for $69.99 for a the product I have not received or use.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted].

Regards,

Review: Back in March 2009 , I called and advised Capital One that I would be deployed for several months at a time and that I would be limited to internet access. I gave provided them with the my address to send the statements. The first month 04/2009, I never received the statement to address that I provided for them and I reached out to customer support and they mailed out a statement immediately and had my payment posted immediately. She apologized for my inconvenience and stated that my account was up to date and nothing negative was showing. From April 2009, September 2009-November 2009. I did not receive the statement and advise the representative of this second, third, etc error and it was taken care of immediately. Once again, I was told that I was not responsible for any late fees since it was Capital One's fault that they did not mail my statement to the address provided since I was overseas. After coming back to the states in 2014, I thoroughly reviewed my credit report and saw that my Platinum MasterCard (which is now closed, acct #[redacted]xxxx) was sent to collections due to them never sending my statements to me. I filed a complaint with CFPB and Capital One came back saying they are not responsible. They took responsibility each time I had an issue with not receiving my statement. This account was sent to collections and the judge dismissed the case and ordered Capital One to remove the charge off status and reopen the account to good standing at a zero balance and for Midland to delete all collection account from all three credit bureaus. I have court documents showing that this account was dismissed in court and Midland has already removed their account from all three credit bureaus.Desired Settlement: I am a soldier protecting this country and Capital One cannot even hold themselves responsible for an account that was charged off, which should have never been charged off due to no fault of mine. I want Capital One to reopen my open for the opening date of 10/01/2008 with a zero balance and to remove charge off status all past due status from my account. I am a long time cardholder of Capital One and I would have to end my relationship because of their error. I still have the card #[redacted]xxxx in my possession so Capital One can just reopen the card (ending in 1650) for use. Also, I would like to have the card increased to match my highest credit limit of $10,000.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted].

Regards,

Review: I have an adjustable rate mortgage that was originally a rollover from [redacted] and is coming to maturity in August 2016. I called to ask about my options and current interest rates. I was told by the representative that because my renewal was within 6 months of the initial terms, there would be no fee involved. I was told to check the messages for my account on their website and the documents would be available in a few days. Time went by and nothing. Finally I receive the information in the mail stating that there is a renewal fee of one mortgage payment. I call to question it and had to speak to 3 representatives before finding one who was clear enough on their products to tell me I was misinformed.My complaint concerns: a Home LoanDesired Settlement: I would like Capital One to stick to information I received in my initial conversation and waive the fee. I waited for weeks just to find out that there was in fact a fee and I wasted valuable time that I could have been exploring other options.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted]The enclosed rate renewal package supplied by Capital One does not reflect the waiving of the renewal fee that they agreed to in the letter. I assume I will need new loan agreement documents so that I can accept, sign and return without any misunderstanding.

Regards,

Review: I sent in a payment of [redacted] on JUNE 18, 2013. ON AUGUST 19, 2013 THEY REVERSED MY PAYMENT. I CALLED THEM ON AUGUST 20,2013 TO FIND OUT WHAT WAS GOING ON. THE CUSTOMER SERVICE REP. THAT I TALKED TO TOLD ME THAT IT WAS MY BANK AND THAT THE BANK DID NOT LET MY PAYMENT GO THRU. I CALLED MY BANK AND ASKED ABOUT THE PAYMENT, THE TELLER TOLD ME THAT THERE WAS NOTHING SHOWING ON MY ACCOUNT WHERE A PAYMENT HAD BEEN REFUSED. I CALLED [redacted] BACK AND TOLD THEM THAT MY BANK SEEN NOTHING WRONG. THE [redacted] REP ASKED ME TO FAX A COPY OF MY BANK STATEMENT TO THEM SHOWING WHERE THE CHECK HAD CLEARED. SO I DID. THAT WAS ON A WEDNESDAY, THE NEXT FRIDAY THEY ASKED ME TO SEND ANOTHER COPY OF MY BANK STATEMENT THAT SHOWED TWO WEEKS AFTER THE CHECK HAD CLEARED MY BANK JUST TO MAKE SURE, SO I DID. I HAVE BEEN CALLING THE [redacted] FOR FOUR WEEKS TRYING TO GET SOMETHING DONE ABOUT THIS ISSUE. EVERY TIME I CALL THEY TELL ME IT WILL BE 1-3 DAYS, 5-7 DAYS 48-72 HOURS. NOBODY HAS GIVEN ME ANSWERS. I HAVE TRIED TO BE NICE AND ALSO BEING UGLY AND STILL NO RESOLUTION.Desired Settlement: DesiredSettlementID: Refund I WOULD LIKE THEM TO FIND MY PAYMENT AND PUT IT BACK ON MY CARD AND TO TAKE THE INTREST THEY CHARGED ME OFF OF MY CARD.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.

Review: I am in the process of trying to buy a house. While in the process the bank had to look at my credit report, needless to say because of this inaccurate account with Capital One Auto Fin. I can't buy my home right now. I looked through my files and I can't find an account with this company or account number. I have written to them at 45, 90 and 120 days and asked them to send me documentation of 100 % acceptance or approval of this account, to date they have not done so. At this point this being on my credit report is preventing me from buying a home. I have repeatedly disputed this and it still on my credit. I have even gone so far as to hire someone to help me fix my credit and it's still there. This has caused me a great deal of emotional distress and I would like it taken care of.Desired Settlement: I consider this defamation and want this removed from my three credit reports immediately.

Business

Response:

Capital One received this complaint and corresponded directly with our customer to resolve the matter.